Terms of service | Credit Soars

Effective Date: September 4, 2026

Welcome to Credit Soars. These Terms of Use govern your access to and use of www.creditsoars.com, including any pages, forms, enrollment options, payment features, client resources, and other services made available through the website.

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.

About Credit Soars

Credit Soars provides credit education, credit-related assistance, and credit restoration services designed to help consumers address information appearing on their consumer credit reports.

Credit Soars is not a law firm, credit reporting agency, lender, bank, or government agency.

No Guarantee of Results

Credit Soars does not guarantee any specific credit score increase, credit score result, deletion, removal, correction, approval, financing outcome, or timeframe.

Credit reporting results vary from person to person and depend on many factors outside of Credit Soars’ control, including information maintained by consumer reporting agencies, creditors, furnishers, lenders, collection companies, and other third parties.

Any testimonials, examples, screenshots, score changes, deleted items, or client results shown on this website or in Credit Soars marketing materials are examples only and should not be interpreted as a guarantee that you will achieve the same or similar results.

Accuracy of Information

You agree that any information you provide to Credit Soars will be accurate, complete, and truthful to the best of your knowledge.

You are responsible for reviewing your own credit reports, personal information, account information, and communications for accuracy.

Credit Soars is not responsible for delays or unsuccessful results caused by inaccurate, incomplete, outdated, or misleading information provided by a client.

Credit Reporting Information

Credit Soars assists clients with addressing information they believe may be inaccurate, incomplete, outdated, unverifiable, or otherwise improperly reported.

Credit Soars does not create, alter, or control consumer credit reports.

Consumer reporting agencies, creditors, debt collectors, lenders, furnishers, and other third parties are responsible for the information they maintain and report.

Website Information

Information provided on this website is for general informational and educational purposes.

Although Credit Soars makes reasonable efforts to keep website information current and accurate, we do not guarantee that all information on the website will always be complete, error-free, current, or suitable for every individual circumstance.

Website content may be changed, updated, removed, or replaced at any time without prior notice.

No Legal, Tax, or Financial Advice

Nothing on this website should be considered legal, tax, accounting, lending, investment, or financial advice.

Credit Soars provides credit-related services and educational information only.

You should consult an appropriately licensed professional if you require legal, tax, accounting, financial, or other professional advice.

Enrollment and Services

Clients who enroll in Credit Soars services may be required to complete enrollment forms, service agreements, disclosures, authorizations, or other documents before services begin.

The terms contained in a signed client agreement or service agreement will govern the specific services purchased by that client.

If there is a conflict between these website Terms of Use and a signed client service agreement, the signed client agreement will control with respect to the services covered by that agreement.

Payments

Payments made through the Credit Soars website may be processed through third-party payment processors or payment gateway providers.

You agree to provide accurate payment information and authorize the applicable charges associated with the service or payment option you select.

Credit Soars reserves the right to suspend or discontinue services when required payments are not received according to the applicable agreement or payment schedule.

Payment terms, cancellation rights, and refund eligibility may also be governed by separate service agreements, disclosures, or policies.

Returning Client Payments

Payment options identified for returning clients are intended for individuals who are continuing an existing Credit Soars service.

Submitting a payment does not create a new service agreement unless otherwise expressly stated.

Clients are responsible for selecting the correct payment option applicable to their account.

Electronic Communications

By submitting your email address, telephone number, or other contact information to Credit Soars, you agree that we may communicate with you electronically regarding your inquiry, account, enrollment, payments, services, support requests, and other business-related matters.

Where required by law, promotional text messages or marketing communications will be sent only with appropriate consent.

You may opt out of promotional text messages by replying STOP.

Client Accounts and Portals

If Credit Soars provides access to a client portal, account, mobile application, or third-party platform, you are responsible for maintaining the confidentiality of your login information.

You should not share your password or account credentials with unauthorized individuals.

You agree to notify Credit Soars promptly if you believe your account has been accessed or used without authorization.

Prohibited Use

You may not use the Credit Soars website to:

Submit false, fraudulent, or misleading information
Attempt to gain unauthorized access to systems, accounts, or data
Interfere with the operation or security of the website
Upload viruses, malware, or malicious code
Copy, reproduce, or distribute website content without authorization
Use the website for unlawful, abusive, deceptive, or fraudulent purposes
Impersonate another individual or business
Violate any applicable law or regulation

Credit Soars reserves the right to restrict or terminate access to the website or services when misuse is suspected.

Intellectual Property

Unless otherwise stated, the content appearing on the Credit Soars website, including text, graphics, branding, logos, designs, photographs, service descriptions, and other materials, belongs to Credit Soars or is used with permission.

You may not reproduce, distribute, modify, publish, display, sell, or commercially use website content without prior written permission from Credit Soars.

Third-Party Websites and Services

The Credit Soars website may contain links to third-party websites, credit monitoring platforms, payment processors, applications, social media platforms, or other services.

Credit Soars does not control third-party websites or services and is not responsible for their availability, content, privacy practices, security practices, products, services, or actions.

Use of third-party services is subject to the terms and policies of those third parties.

Limitation of Liability

To the fullest extent permitted by applicable law, Credit Soars will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website.

Credit Soars is not responsible for decisions made by consumer reporting agencies, creditors, lenders, furnishers, debt collectors, financial institutions, landlords, employers, insurance companies, or other third parties.

Credit Soars is also not responsible for credit score fluctuations or changes resulting from activity outside of the services we provide.

Nothing in these Terms of Use is intended to waive, exclude, or limit any right or liability that cannot legally be waived or limited.

Disclaimer of Warranties

The website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Credit Soars makes no warranties, express or implied, regarding the availability, accuracy, reliability, suitability, or operation of the website.

We do not warrant that the website will be uninterrupted, error-free, or completely free from security risks.

Privacy

Your use of this website is also subject to the Credit Soars Privacy Policy, which explains how personal information may be collected, used, protected, and shared.

Changes to These Terms

Credit Soars may revise these Terms of Use periodically to reflect changes in our services, website, business practices, or legal requirements.

Updated terms will be posted on the website with a revised effective date.

Your continued use of the website after updated Terms of Use are posted constitutes your acceptance of the revised terms.

Governing Law

These Terms of Use will be governed by applicable federal law and the laws of the state in which Credit Soars operates, without regard to conflict-of-law principles, except where another law is required to apply.

Contact Credit Soars

If you have questions regarding these Terms of Use, please contact:

Credit Soars
Website: www.creditsoars.com
Call or Text: (346) 849-3618